Quick answer: the biggest delay risks in Florida are missing summary administration eligibility, a disputed creditor claim, and a required federal estate tax return. Estimate your own timeline with the Florida probate timeline calculator.
1. Missing the summary administration threshold
2. A creditor claim that gets contested
If the personal representative objects to a filed claim, the creditor generally has a limited window to bring an independent action to enforce it, or the claim is barred. When that litigation actually happens, resolving it — discovery, a hearing, a ruling — adds real time the estate wouldn't otherwise need before it's safe to distribute and close.
3. A required federal estate tax return
Florida's own 12-month target close under § 733.901 only applies to estates that owe no federal estate tax. When a federal Form 706 is required, the personal representative typically keeps the estate open longer to align closing with that filing and any subsequent IRS review, pushing well past the general target.
4. Real estate that needs to be sold
A sale adds its own appraisal, listing, and closing timeline on top of the baseline probate schedule. Florida's homestead protections add another layer worth knowing: a homestead property often passes outside the probate estate in specific ways, which can itself require its own determination before a sale proceeds cleanly.
A local probate attorney can review your estate — many offer a free consultation.